Key Takeaways
- Cleaning businesses with recurring commercial contracts are well-suited for Bankable funding
- SBA small business loans unavailable to E-3 holders
- Equipment, vehicle, and working capital all fundable
- Commercial cleaning has exceptionally predictable monthly revenue — strong for underwriting
- 48-hour decisions up to $2M
Commercial cleaning businesses offer one of the most predictable revenue profiles in any industry — monthly recurring contracts with commercial clients who need the service regardless of economic conditions. E-3 holders operating cleaning companies have built reliable, scalable businesses. The capital need is primarily for scaling: equipment purchases, additional vehicles, and working capital to fund operations while new contracts ramp.
Bankable loves recurring commercial contract revenue. It's predictable, it's consistent, and it means our underwriting is straightforward. We fund cleaning businesses based on contracted monthly revenue — no SBA, no green card, 48-hour decisions.
The E-3 Funding Barrier
The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.
Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.
Challenges in This Sector
- Industrial cleaning equipment (floor scrubbers, pressure washers) requires significant upfront capital
- Commercial vehicles for team transport and equipment must be reliable and insured
- Bonding and commercial insurance are mandatory for commercial contracts
- Working capital needed to fund operations while new contracts pay their first invoices
- Staff recruitment, training, and retention costs are ongoing
- Scaling requires supervisory staff and management overhead before revenue increases
Funding Solutions for E-3 Holders
- Equipment Financing: Industrial cleaning equipment with asset-backed terms.
- Vehicle Financing: Commercial vans and trucks for your cleaning teams.
- Working Capital: Cover payroll and supplies during new contract ramp-up.
- Contract Expansion: Fund capacity to take on additional commercial contracts.
- Bonding & Insurance Pre-funding: Annual bonding and insurance premium financing.
Why Cleaning Companies Are Strong Bankable Candidates
Commercial cleaning contracts are typically monthly recurring — once signed, clients renew automatically unless they actively cancel. A cleaning company with 20 commercial accounts at $2K/month each has $40K in predictable monthly revenue. This is exactly the kind of business Bankable was designed to fund. Your contracts are your assets — and we evaluate them accordingly.
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
Yes. Cleaning business ownership is not restricted by visa status.
Commercial janitorial, residential cleaning, office cleaning, industrial cleaning, and specialty cleaning (medical, post-construction).
Monthly recurring contracts mean highly predictable revenue — exactly what revenue-based lenders prefer.
Typically $10K+/month in consistent contracted cleaning revenue.
Yes. Floor scrubbers, pressure washers, and industrial cleaning equipment can be financed with asset-backed terms.
Yes. Vans and trucks for your cleaning teams can be financed.
Positively. Long-term commercial contracts with blue-chip clients are weighted heavily in our assessment.
Yes. Working capital to fund operations while new contracts ramp is a standard use case.
Yes, if revenue is consistent and documented through bank deposits.
48-hour decisions. Funds in 3–5 business days.